Should State insurance offer 'market value' payouts on a set amount policy?
My parents car was recently involved in an accident where their car received significant damage after a truck hit the car. No one was hurt but we got the details, went to the police and got the stuff rolling.
The car is sitting in my driveway, not safe for road use.
Anyway, the insurance policy was insured for a set value rather than market value. The assessor for state insurance (IAG?) has basically offered approximately $5600 for repairs or replacement. This is below the set amount that was insuranced and the assessor only viewing the exterior of the car and not assessing potential damage to the car. The understanding is that anything above ~$5600 would be out of pocket.
When we contacted the assessor for further comment, he advised that this was because the car was only worth a certain amount, a market value and that we are lucky that we got offered that amount. That would be ok if it wasn't insured for a set value.
Clearly state insurance can't have their cake and eat it too? To me it sounds like a scam.
Whats your thoughts?
Read More19 July 2008, Harvey Norman had a huge sale on, I cant remember exactly what it was called but it had '12 hour marathon' in the name. Anyway, I ended up buying a new laptop! Compaq Presario V3500 with Windows Vista Home Premium, I don't care what anyone has to say about Compaq I absolutely love this laptop. Considering my previous laptop was a Dell Inspiron 2200 anything reasonably up-to-date would have been sufficient.. One or two more usb ports would have been nice and maybe even bluetooth connectivity but apart from that it does everything I need and does it well. I especially like the button above the touchpad which enables me to lock it.
If anyone is looking for a really nice laptop under $1300 I would recommend the Presario V3500.
Read MoreFrom the press release from earlier this month:
"Microsoft Equipt offers consumers Microsoft Office Home and Student 2007, giving them the latest versions of Word, Excel, PowerPoint and OneNote for their personal and school projects; Windows Live OneCare, the all-in-one security and PC management service; Windows Live tools, such as Windows Live Mail, Windows Live Messenger and Windows Live Photo Gallery so they can connect and share with people they care about most; and Office Live Workspace, a new service from Microsoft that makes it easy to save documents to a dedicated online Workspace and share them with friends and classmates. Anytime a new version of Office or Windows Live OneCare is released, Microsoft Equipt customers will get the version upgrades as part of their subscriptions."
Cost is $US70 per year for up to 3 PCs. Pretty reasonable I think and improves the home user proposition versus Open Office and Google online services . . .
Read MoreYesterday I posted about Microsoft Windows Mojave, an experiement in perception.
A set of people were asked what they think is bad on Windows Vista during the Mojave Experiment. Their answers were recorded. They were then shown "Microsoft Windows Mojave", a new operating system that impressed everyone.
Microsoft then revealed "Windows Mojave" and "Windows Vista" are the same one.
I have just found out the full "Mojave Experiment" results will be available 29th July on The Mojave Experiment website.
Read More“Different methods of communication and of identifying users on communication networks will become irrelevant. I use many different methods of electronic communication, including a home phone, a mobile phone, e-mail, instant messaging, video conferencing, online forums and social networking sites and so on. Why should I have to distinguish between these forms of communication and they way they identify their users – why should I have to have an e-mail address, several phone numbers, several usernames of different services – why can users not just have a single user name or number which can be used to reach them however you like? Why should I have to use multiple devices such as a home phone, a cell phone, a computer and a laptop to communicate – why not have one device that can utilise all methods of communication but that comes in many different shapes and sizes – something desk-sized like a computer, something portable and then something pocket-sized. We need to take the focus out of the “how” and turn it more to the “who” and “what” of communications.”
From the section on the future of telecommunications from my thesis (of sorts). Thoughs/feedback welcome/requested 
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Isn't competition in the mobile marketplace fantastic? It's a concept that unfortunately New Zealanders are missing out on due to the cosy duopoly that exists between our two mobile providers - Telecom New Zealand and Vodafone.
Optus have just launched unlimited "timeless" mobile plans into the Australian marketplace. For A$99 per month you get unlimited calling to other mobiles and landline phones in Australia as well as unlimited SMS and MMS messages. This $99 pack however isn't quite $99 - it requires the purchase of a A$14.95 mobile pack that gives you 200MB of included data.
For A$129 however you receive unlimited calling, SMS and MMS along with 2GB of data.
Now compare that to what you're paying in NZ. Competition really is a great thing.
Read MoreI took the opportunity to see "The Dark Knight" on saturday night, (in Reading Cinemas Gold Lounge)
and I have to admit, the hype is not totally misplaced, it is a stunning movie,
Heath Ledger truly played the part to a legendary level, the gadgets again are fantastic,
the sheer grittyness that was brough about made it all the more real, rather than having a fantastical approach, it gave it a realisticness lacking in many hero movies.
I'd love to write more but I'd hate to spoil it,
I think this movie will go down as a definite movie to watch.
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